Hopefully someone can help me out. I have an old (about 5 years old) credit card debt of 09.00 which I am trying to settle for 00. In April the account went to a collection agency who offered to settle for 00. At that time I was in financial hardship and (divorce, single mom, unemployment, overextended) I did not have the money and could not accept. Now the account has went to a law firm. I called them and asked them to settle – they seem more interested in finding out how much money I make and my job than trying to settle. Of course I got upset and told them I would I would call the credit card company and they said the credit card company would refer me back to them. Shouldn’t they (the law firm) be working with me to try and settle this debt? What should I do? I also told them them that I would like my credit reported as "paid" after I gave them the money – they said they had nothing to do with the credit bureau. Help!!!

Technorati Tags: credit bureau, credit card company, credit card debt, divorce, financial hardship, how much money, job, single mom, unemployment

Today I had my chapter 7 bankruptcy Meeting of Creditors with the trustee. I’m representing myself and have no assets. The trustee asked me if I have ever filed bankruptcy before, and I told him no. This was also a question on my chapter 7 forms that I filed with the court. The question on the forms asked if I had filed bankruptcy in the last eight years. I researched this in a legal help book, and it confirmed that the court is only concerned with the last eight years. As I was going home from court today, I began to worry, because about 13 years ago I did file a chapter 7 bankruptcy in another state. I was assuming that the trustee was referring to the last eight years, but because he didn’t specify, I’m now thinking that he was asking if I had ever filed bankruptcy. Could I get in trouble for this inadvertent omission? I’m recovering from a year of unemployment as a teacher and am a very honest and forthright person. Please let me know your thoughts on this. I would be very grateful. Thank you.
This is considered a lie under oath? What does this mean for me? This was not my intention. Could I get in trouble for this? Thank you.

Technorati Tags: 13 years, assets, bankruptcy meeting of creditors, chapter 7 bankruptcy, going home, inadvertent omission, intention, legal help, meeting of creditors, trustee, unemployment

I have several thousands of dollars in debt, and I feel that it would probably take me 2 or more years to repay if I move back with my parents and don’t ever go out. The only items that I actually own is my phone, computer, and clothes. So, would bankruptcy be the way to go?

My only income is my unemployment,…
I also own a car that’s paid off.

Technorati Tags: bankruptcy, clothes, own a car, parents, phone computer, thousands of dollars, unemployment

will have no more unemployment to pay put, medicare, social sec!
What will happen if even just 50% of the States in the U.S go broke, ?
They are predicting that could be by 2012…

Technorati Tags: medicare, social sec, unemployment

My wife went to law school, and took out a ton of debt. some public (perhaps K), some private (about K — which is the reason for the suit). Well, she became unemployed in March 2009. Stupid move. We wanted to relocate to a better economy. Well, we came back to former city in late 2009 and have been shacking up w/ her folks ever since. We’ve had our first child. I am in the middle of trying to start a business and literally just paying for the business right now. She’s hoping to get back to full time work here pretty quickly. She’s got a couple of possibilities on the table. Well, we’re in TN and her law school was in Calif. A law office in Nashville is operating as a collection agent for this private debt. The original loan company wouldn’t hardly work with my wife through the unemployment, and for the past two years, the only employment she’s had is seasonal tax assistance work. Less than K per year. Our annual income is ridiculously low.

This lawyer has filed suit against my wife and now we don’t know what the hell to do… (IF SOME OF YOU THINK THAT JUST BECAUSE MY WIFE IS A LAWYER SHE SHOULD BE ABLE TO HANDLE THIS… , PLEASE TAKE NOTE, MY WIFE HAS NO EXPERIENCE IN BANKRUPTCY AND DEBT COLLECTION SUITS… SO IT’S NO DIFFERENT THAN A FAMILY PRACTICE PHYSICIAN PERFORMING A BRAIN SURGERY OR HEART TRANSPLANT. THERE’S NO CONNECTION THERE.).

She’s being sued, and it’s not like we’re sitting on any cash. What little cash she has (less than K, she’s trying to get back in good standing with the bar association since she’s been absent for a couple years… and now… this bullcrap hits. I didn’t make the economy go south, and neither did any of you folks… so be kind in your response. I don’t need a lesson on ethics… the world literally fell out from beneath a lot of people and if you’re one of the lucky folks not to get situationally screwed, consider yourself fortunate and try not to be judgmental. We didn’t plan for this to happen. And we feel awful about it.

My question I guess is, for any of you lawyers that know bankruptcy… I’m well aware that student debt cannot be discharged by standard bankruptcy proceedings, although there is possible statutory law that was introduced in April 2010 (don’t know if it passed) which can, in certain circumstances – as I understand it – make it easier to discharge private student debt, but I’m uncertain how to go about finding out what part of that legislation might apply to my wife.

Anyway, what is the likely outcome of this? Would a collection attorney really put up money to sue us for essentially nothing? You know the old adage "You can’t squeeze blood out of a turnip." ?? Or do they just want to solicit personal information from us so that they can verify that my wife hasn’t actually been intentionally stiffing anyone… she’s just been legitimately underemployed and unemployed?

Thanks for the help.

Technorati Tags: assistance work, bankruptcy, brain surgery, debt collection, economy, ethics, family practice physician, full time work, heart transplant, law school, lawyer, loan company, lucky folks, nashville, possibilities, private debt, stupid move, suits, tax assistance, unemployment

All these Republicans are screaming about how they want to take the country back, whatever that means, but they sure weren’t saying this when Bush, arguably America’s greatest failure, was in office and screwing everything up.

Hop on my magical carpet and let’s review the Bush years:

–complete collapse of the economy
–banks going bankrupt, insurance companies going bankrupt, car companies going bankrupt
–unemployment spiraling out of control
–beginning of huge budget deficits
–started wars with the wrong countries
–torturing our enemies and denying them basic rights
–tried to appoint his secretary to the Supreme Court
–could barely speak the English language
–failed Iraqi War policy costs us nearly a trillion dollars and thousands of lives
–passed huge tax cuts but then ran up huge deficits (how exactly does this make him conservative?)

It’s almost painful to think back to those days. It really does hurt to remember that an incompetent and completely clueless person like George W. Bush once occupied the White House.

So, again, where were all these "Take Back America" people when Bush was turing into dust everything he touched?

Technorati Tags: banks, budget deficits, car companies, collapse, economy, enemies, english language, failure, george w bush, insurance, insurance companies, iraqi war, magical carpet, republicans, supreme court, tax cuts, trillion, unemployment, war policy, white house

In a sense, the general US population is growing ever-more in debt with the weakening dollar, prices going up, unemployment, yada yada…..

Does this benefit people who are trying to clean up their credit, from a standpoint of negotiating with collectors for "settled" amounts, and to delete information from credit files, as a contingency to the settlement?

I know that collectors pay sometimes pennies on the dollar for collections, and I would imagine that right now a lot of people are not paying obligations to established collection accounts, so some collection agencies may in fact go belly-up….so does this give consumers who are trying to clean their credit the ability to pay a lower amount to settle debt?

Technorati Tags: benefit, collection accounts, collection agencies, collections, consumers, contingency, dollar prices, pennies on the dollar, standpoint, unemployment, us population, weakening dollar

The reasons why are obvious.

1) Democrats are in charge-they love to lie (with a warm smile) and tax and spend

2) We will spend 1.5 trillion dollars more this year than we take in.

3) Democrats will never agree to cut spending-they would rather bankrupt the USA-see California and Illinois

4) The financial crisis has caused a huge drop in tax revenue

5) Unemployment may continue to rise for the next 3 years-more people needing insurance and fewer workers to provide the coverage

6) An aging population-more people on social security and fewer workers to pay

7) Obama/Pelosi want Universal healthcare

Cap and trade

You see my point yet. And you can now see what Obama meant by change!
http://www.cnbc.com/id/31775633
9) I forgot to mention, we will be needing a new stimulus package-900 billion was not enough!
tehabwa Your a walking testimony showing why weed shoud remain illigal!

Technorati Tags: 3 years, aging population, cnbc, democrats, financial crisis, insurance, obama, shoud, social security, stimulus package, testimony, trillion, unemployment, universal healthcare, warm smile

They asked me if I was working. And i said yes, part time. Then they told me to bring six months of paystubs. Do they ask about unemployment?

Technorati Tags: part time, six months, unemployment

I want to killing myself right now. My company was filed bankruptcy last week hasn’t paid of my last wages. Saturday when I was refilled my prescriptions I found out my medical FSB account locked up couldn’t paid for my prescriptions. I still have 0 in this FSB account. what can I do? I really need this money, coming I have a few doctor appointment in this 2 months. What can I do? I need someone tell me where and what should I do? One more thing the CEO said he was not fired us so I can’t file unemployment benefit. He only told us to wait for the trustees to contact us. How come a CEO can do that for his people. I feel so sad and how can the people do that for me. Hope someone can help me of my question. Thanks.

Technorati Tags: bankruptcy, ceo, doctor appointment, fsb, money, prescriptions, question thanks, unemployment, wages

under the dems asinine idea about fiance?

I haven’t seen so many idiots in the white house and congress since Carter tried to be more than a farmer who couldn’t lead us out of a paper bag.

How can congress allows mooches to suck off tax paying working americans for 99wks–but will not provide any tax breaks for those who work 100 hr wks and pay for all the unemployment mooches benefits?

Technorati Tags: congress, fiance, paper bag, unemployment, white house, wks

I’m out of work with no job in site. I have been surviving on credit hoping a job would come but has not as of yet. Is bankruptcy a the answer or some other alternative that I don’t know of? What really is bankruptcy?
I’m out work but I do qualify for 123.00 a wk in unemployment can garner any of this? If I can muster up maybe 25.00-50.00 a month token payments until I find work will they accept these if I explain my situation to them?

Technorati Tags: bankruptcy, job, unemployment, wk

I filed Ctp 13 bnkuptcy 6 six years ago. When I didn’t hear from my attorney after the 5 years were up, I contacted him. He told me there was a mix up with a car loan and advised that I convert to Cpt 7. I did – it was discharged and now I am getting letters of collection from credit cards that were filed on that cpt 7. Aslo found out my house was never reafirrmed on. What the hell is going on? He sure didn’t hesitate to take my money to get these done. He is retired and now has some other lawyers taking over cases. What are my LEGAL recourses? For 5 years my check was garnished for 375.00 every 2 weeks to pay that cpt 13. I get calls 10 times a day, give them the lawyers phone number and the next day they call back 10 x a day. I am out of work right now, living on unemployment and at my wits end. Someone with some knowledge, please advise me what to do. Thank you.

Technorati Tags: aslo, car loan, credit cards, hell, lawyers, legal recourses, money, phone number, six years, unemployment, wits end

in short , i have been divorced for a year , my credit is OBLITERATED to ashes , I am up to my hairline in debt , including child support , which i have not been able to pay because of unemployment – I am considering Debt settlement or bankruptcy , which would be better? If any answers please word it in "for dummies" terms – banker jargon confuses me:-P

Technorati Tags: bankruptcy, child support, Debt Settlement, dummies, hairline, jargon, quot, unemployment

Ok I have around ,000 in credit card debt. I also co-signed with my mom to buy a house 4yrs back and it is due to go in foreclosure soon due to the fact that her husband lost his job (construction) and I couldn’t make the payments by myself which is why I defaulted on my mortgage and credit cards.

I also suffered a broken ankle in December and upon returning to work in May I lost my Supervisor position which was nearly a / per hour pay cut. To top it all off they decreased our work-week to 32 Hrs.

So my question is can I get away without filing for bankruptcy and just wait til everything clears up in 7 years or do I have to file?
Unfortunately my injury happened at home so I was receiving Disability insurance which was about %60 percent of what I made normally.

My mom or her spouse haven’t been able to find a job and their unemployment ran out 2 months ago.

I don’t have anything of value that I see the court selling off to pay back some of my debt. I am really broke and don’t have much in the way of assets. I only have about ,000 in my 401k other than that I am broke

Technorati Tags: 401k, assets, broken ankle, credit card debt, credit cards, disability insurance, filing for bankruptcy, foreclosure, insurance, job, mom, mortgage, supervisor position, unemployment

A lot of bills, unemployed, it’s too much now
I had to put a lot of my college tuition on credit cards because I expected I would find a job after (graduated 08)

Bank of America after that new law was passed for banks and/or creditors to increase their rates
my monthly payment went from 150$ to 300$
I have 1,000$/mo. in bills and only make 600$/mo from unemployment
I’m wondering if I can kind of selectively go bankrupt on this
I figure if I just don’t pay that I’ll only be at a negative 100/mo
I live out of my car and don’t eat much so gas/food is pretty low.
Only I usually had to put them on a credit card. A different card.
Not paying this one bill will probably cut off my other cards too?
I have really good credit and I was hoping to hold on until I could find something but I can’t and once i find a job I’ll have another 500$ in student loans.
I either need a good paying job or 2 or 3 regular ones but I have to acquire them at the exact same time because of that student loans. Right now I can hold up some of it with unemployment deferment
not sallie mae, you can’t defer private loans for any reason
I’ve already sold most of my things. It doesn’t hold up too long

I just want to stop paying bank of america
How bad will it be?

Technorati Tags: bank of america, banks, college tuition, credit card, credit cards, creditors, gas food, good paying job, mae, private loans, student loans, unemployment

I am disturbed by the bail out plan of the automobile industry under consideration. In the past, Washington had supported and granted billions of dollars to the auto industry. Today, there is little hope in the near future for the auto industry to recover. Car manufacturers from both China and India will only exacerbate the problem as those country ramps up their capabilities, making a crowded and competitive markets space worse. With all likelihood, the automakers will be back for another handout in a few years.

There is no seriousness or commitment by the automakers to change. They had approached Washington the first time without any real plan to turn things around. Obama had said he was disappointed at the automakers for approaching Washington without a turnaround plan. This is their second time back and now they come back with a cocktail napkin plan, but it is doubtful that any of the those plans will ever be put into action.

The automakers had many chances to improve and set a course for the future. Environmentalist in the United States had pushed for greener cars for years, but the auto industry had resisted and sabotaged their efforts. U.S. automakers problems are their own product. If U.S. automakers had accepted the environmentalist challenge and led the charge, the Japanese green autos would not the better selling green autos. They have no one to blame but themselves.

Some people argue that we are compelled to save the auto industry, regardless of how distasteful. If we don’t act to save the auto industry, massive layoffs will result and that will only worsen the unemployment and the economic recession. Some also argue that we’ve bailed out banks, why should’t automakers be bailed out as well. I believe the key difference is whether the automakers in their current form are sustainable. For bank bailout, we don’t expect the banks to come back year after year for more money. However, everyone believes that this will be likely case for the automakers. If the automakers are unsustainable then layoffs are inevitable and rise in unemployment are inevitable. We’re simply prolonging the agony.

For national security reasons, it is unwise to allow all of the automakers to go bankrupt. However, we should let the field shrink and support the strongest left standing. It should be noted that by allowing the antiquated automaker to pass; it is possible that a new, better suited companies may rise to take their place. For instance, Tesla motors (www.teslamotors.com) which makes green autos may have better opportunity to enter the market. In effect, we may be damaging the long-term health of the U.S. auto industry by further supporting the Big 3 automakers by preventing more innovative young upstart companies from taking their place.

Please join me by writing a paragraph to your congressman telling them that you do not support the auto bailout. Please click on the link below and choose your state to send an electronic message. It doesn’t matter if you old enough to vote or if you’re not an active voter. It is an IMPORTANT issue and you should let Washington know how you feel!! Thank you.

Click here:
http://www.senate.gov/general/contact_information/senators_cfm.cfm

Also, let me know if you agree or disagree with my remarks.

Technorati Tags: auto industry, automakers, automobile industry, bank bailout, banks, billions of dollars, car manufacturers, cocktail napkin, competitive markets, economic recession, environmentalist, greener cars, likelihood, little hope, massive layoffs, ramps, second time, seriousness, turnaround plan, unemployment

I am disturbed by the bail out plan of the automobile industry under consideration. In the past, Washington had supported and granted billions of dollars to the auto industry. Today, there is little hope in the near future for the auto industry to recover. Car manufacturers from both China and India will only exacerbate the problem as those country ramps up their capabilities, making a crowded and competitive markets space worse. With all likelihood, the automakers will be back for another handout in a few years.

There is no seriousness or commitment by the automakers to change. They had approached Washington the first time without any real plan to turn things around. Obama had said he was disappointed at the automakers for approaching Washington without a turnaround plan. This is their second time back and now they come back with a cocktail napkin plan, but it is doubtful that any of the those plans will ever be put into action.

The automakers had many chances to improve and set a course for the future. Environmentalist in the United States had pushed for greener cars for years, but the auto industry had resisted and sabotaged their efforts. U.S. automakers problems are their own product. If U.S. automakers had accepted the environmentalist challenge and led the charge, the Japanese green autos would not the better selling green autos. They have no one to blame but themselves.

Some people argue that we are compelled to save the auto industry, regardless of how distasteful. If we don’t act to save the auto industry, massive layoffs will result and that will only worsen the unemployment and the economic recession. Some also argue that we’ve bailed out banks, why shouldn’t automakers be bailed out as well. I believe the key difference is whether the automakers in their current form are sustainable. For bank bailout, we don’t expect the banks to come back year after year for more money. However, everyone believes that this will be likely case for the automakers. If the automakers are unsustainable then layoffs are inevitable and rise in unemployment are inevitable. We’re simply prolonging the agony.

For national security reasons, it is unwise to allow all of the automakers to go bankrupt. However, we should let the field shrink and support the strongest left standing. It should be noted that by allowing the antiquated automaker to pass; it is possible that a new, better suited companies may rise to take their place. For instance, Tesla motors (www.teslamotors.com) which makes green autos may have better opportunity to enter the market. In effect, we may be damaging the long-term health of the U.S. auto industry by further supporting the Big 3 automakers by preventing more innovative young upstart companies from taking their place.

Please join me by writing a paragraph to your congressman telling them that you do not support the auto bailout. Please click on the link below and choose your state to send an electronic message. It doesn’t matter if you old enough to vote or if you’re not an active voter. It is an IMPORTANT issue and you should let Washington know how you feel!! Thank you.

Click here:
http://www.senate.gov/general/contact_information/senators_cfm.cfm

Also, let me know if you agree or disagree with my remarks.

Technorati Tags: auto industry, automakers, automobile industry, bank bailout, banks, billions of dollars, car manufacturers, cocktail napkin, competitive markets, economic recession, environmentalist, greener cars, likelihood, little hope, massive layoffs, ramps, second time, seriousness, turnaround plan, unemployment

I am disturbed by the bail out plan of the automobile industry under consideration. In the past, Washington had supported and granted billions of dollars to the auto industry. Today, there is little hope in the near future for the auto industry to recover. Car manufacturers from both China and India will only exacerbate the problem as those country ramps up their capabilities, making a crowded and competitive markets space worse. With all likelihood, the automakers will be back for another handout in a few years.

There is no seriousness or commitment by the automakers to change. They had approached Washington the first time without any real plan to turn things around. Obama had said he was disappointed at the automakers for approaching Washington without a turnaround plan. This is their second time back and now they come back with a cocktail napkin plan, but it is doubtful that any of the those plans will ever be put into action.

The automakers had many chances to improve and set a course for the future. Environmentalist in the United States had pushed for greener cars for years, but the auto industry had resisted and sabotaged their efforts. U.S. automakers problems are their own product. If U.S. automakers had accepted the environmentalist challenge and led the charge, the Japanese green autos would not the better selling green autos. They have no one to blame but themselves.

Some people argue that we are compelled to save the auto industry, regardless of how distasteful. If we don’t act to save the auto industry, massive layoffs will result and that will only worsen the unemployment and the economic recession. Some also argue that we’ve bailed out banks, why should’t automakers be bailed out as well. I believe the key difference is whether the automakers in their current form are sustainable. For bank bailout, we don’t expect the banks to come back year after year for more money. However, everyone believes that this will be likely case for the automakers. If the automakers are unsustainable then layoffs are inevitable and rise in unemployment are inevitable. We’re simply prolonging the agony.

For national security reasons, it is unwise to allow all of the automakers to go bankrupt. However, we should let the field shrink and support the strongest left standing. It should be noted that by allowing the antiquated automaker to pass; it is possible that a new, better suited companies may rise to take their place. For instance, Tesla motors (www.teslamotors.com) which makes green autos may have better opportunity to enter the market. In effect, we may be damaging the long-term health of the U.S. auto industry by further supporting the Big 3 automakers by preventing more innovative young upstart companies from taking their place.

Please join me by writing a paragraph to your congressman telling them that you do not support the auto bailout. Please click on the link below and choose your state to send an electronic message. It doesn’t matter if you old enough to vote or if you’re not an active voter. It is an IMPORTANT issue and you should let Washington know how you feel!! Thank you.

Click here:
http://www.senate.gov/general/contact_information/senators_cfm.cfm

Also, let me know if you agree or disagree with my remarks.

Technorati Tags: auto industry, automakers, automobile industry, bank bailout, banks, billions of dollars, car manufacturers, cocktail napkin, competitive markets, economic recession, environmentalist, greener cars, likelihood, little hope, massive layoffs, ramps, second time, seriousness, turnaround plan, unemployment

I am disturbed by the bail out plan of the automobile industry under consideration. In the past, Washington had supported and granted billions of dollars to the auto industry. Today, there is little hope in the near future for the auto industry to recover. Car manufacturers from both China and India will only exacerbate the problem as those country ramps up their capabilities, making a crowded and competitive markets space worse. With all likelihood, the automakers will be back for another handout in a few years.

There is no seriousness or commitment by the automakers to change. They had approached Washington the first time without any real plan to turn things around. Obama had said he was disappointed at the automakers for approaching Washington without a turnaround plan. This is their second time back and now they come back with a cocktail napkin plan, but it is doubtful that any of the those plans will ever be put into action.

The automakers had many chances to improve and set a course for the future. Environmentalist in the United States had pushed for greener cars for years, but the auto industry had resisted and sabotaged their efforts. U.S. automakers problems are their own product. If U.S. automakers had accepted the environmentalist challenge and led the charge, the Japanese green autos would not the better selling green autos. They have no one to blame but themselves.

Some people argue that we are compelled to save the auto industry, regardless of how distasteful. If we don’t act to save the auto industry, massive layoffs will result and that will only worsen the unemployment and the economic recession. Some also argue that we’ve bailed out banks, why should’t automakers be bailed out as well. I believe the key difference is whether the automakers in their current form are sustainable. For bank bailout, we don’t expect the banks to come back year after year for more money. However, everyone believes that this will be likely case for the automakers. If the automakers are unsustainable then layoffs are inevitable and rise in unemployment are inevitable. We’re simply prolonging the agony.

For national security reasons, it is unwise to allow all of the automakers to go bankrupt. However, we should let the field shrink and support the strongest left standing. It should be noted that by allowing the antiquated automaker to pass; it is possible that a new, better suited companies may rise to take their place. For instance, Tesla motors (www.teslamotors.com) which makes green autos may have better opportunity to enter the market. In effect, we may be damaging the long-term health of the U.S. auto industry by further supporting the Big 3 automakers by preventing more innovative young upstart companies from taking their place.

Please join me by writing a paragraph to your congressman telling them that you do not support the auto bailout. Please click on the link below and choose your state to send an electronic message. It doesn’t matter if you old enough to vote or if you’re not an active voter. It is an IMPORTANT issue and you should let Washington know how you feel!! Thank you.

Click here:
http://www.senate.gov/general/contact_information/senators_cfm.cfm

Also, let me know if you agree or disagree with my remarks.

Technorati Tags: auto industry, automakers, automobile industry, bank bailout, banks, billions of dollars, car manufacturers, cocktail napkin, competitive markets, economic recession, environmentalist, greener cars, likelihood, little hope, massive layoffs, ramps, second time, seriousness, turnaround plan, unemployment

I had a small business and in 2005 it failed and i had to go bankrupt on it and my home..everything , i lost it all.. I have since gotten back on my feet (i thought) ..got a good job with the state and even bought a new car since i had to drive so much for my job…Aug 1st of this year the governor cut the budget to my program and i lost my job. now I can’t make it…there are no jobs around here, there’s nothing…when is the earliest I can file for some sort of bankruptcy? I took the total wipe out the last time..this time I’m hoping I can do the one where I can restructure and keep my home, car and possessions. The economy is killing people like me. Please I hope someone out there knows if I can file for restructure sooner than 7 years and keep what I finally got built back up. Thank you
i wanted to add that i am NOT an idiot and really hate to be talked to like i am one. I am getting unemployment for now. I live in a very small town in Southern Ill and there are NO jobs…thanks to our goverment all our jobs are going to china or somewhere bedsides here. I ask my question to get a helpful answer NOT to get told I am lazy and need to find work…hate to wish bad on anyone but I just hope those of you who think I am so lazy goes thru this someday themselves..maybe then you will all be more understanding. I didn’t need made fun of ..i just ask for help in finding the right answer…thanks for nothing.
i really think THIS is partly whats wrong with the country anymore…people are heartless..always ready to put someone farther down than they already are…again thanks for nothing.
You know I am rather sorry I asked a question….I am NOT a deadbeat, I am an AMERICAN…if the economy has not hit you yet then I am happy for you…but in small town America it has it hard…I have worked all My life and will continue to work IF i can find a job.. unlike most of you I guess I just can’t afford to pull up stakes and move to ‘where the jobs are’…btw…according to the news they’d like to know where the jobs are too… I am totally ashamed to even read these answers…I hope each and every one of you who have told me ‘to get a job ‘ and not have a new car..or buy a ‘cheap ‘ house….well my answer to that is ..I bought a house..for ,000…cheap enough??? and i bought a chevy colbalt..cheap enough??? so you big knowlegable people get off your pedistal before you FALL off…your not better than me or any other American who is having problems now…I am a 56 year old woman and i live VERY modest life….so dont JUDGE me …all I wanted was some info on what choices.

Technorati Tags: bankruptcy, budget, china, deadbeat, economy, good job, goverment, home car, jobs, last time, new car, possessions, small business, southern ill, unemployment

I had filed bankruptcy 4 1/2 yrs ago and was approved. The I got back into debt because of unforseen occurance befell me. I have medical bills that need to be paid, I have students loans I need to pay off, but are on deferment or forberance, and interested has accumlated, I got laid off my day job, working part-time evenings (14 to 15 hrs a wk, 7.50hrly) been looking for fulltime work for 2 mths, tried filing unemployment, owe the bank 0.00 because my accnt is a negative, I am behind on my gas utility bill, my car is in the shop for the 3rd time in 4 mths. Spent already 790.00 total in last month on car. Yes, I live by myself and have been looking for a roomate, because I can’t afford to renew my apartment lease when I’m not making enough money to pay all my expenses. Would I still be able to file bankruptcy with out any hassles? I want to file Chapter 7, I just don’t see any other way out right now. Please give me your answer…….

Technorati Tags: apartment lease, bankruptcy, chapter 7, day job, enough money, evenings, hassles, loans, looking for a roomate, medical bills, mths, occurance, part time, unemployment

or Wait till I get back to Michigan? I don’t want to but I have 6,000 a month worth of bill after some bad choices and will be from from my Unemployment.

Technorati Tags: choices, unemployment

Had filed for chapter 7 and kept the car. The credit card debt was consolidated into the car loan therefore the amount owed on the car is more than the car is worth. Due to unemployment, am not able to make payments and want to surrender the car back to the lender. Can I do this and what are my options?

Technorati Tags: car loan, chapter 7, credit card debt, unemployment

we have 14,000 cc debt, our checking acct. is frozen, wife gets unemployment(280 a week) due to plant closure, she is going to start school in a week.we have a 2nd mortgage and the equity right now is about 00,car loan for 16,000 my truck is paid for. do we qualify for either ch.7 or 13 bankruptcy?

Technorati Tags: bankruptcy, car loan, ch 7, checking acct, mortgage, plant closure, unemployment

. . . when unemployment benefits run out and business is taxed so badly they can’t hire? What will it look like when good God-fearing people can no longer feed their babies? What will it look like in your town when most people lose their homes and have nothing left? What will it look like when the states file bankruptcy? Just curious. Please try to picture this because it is going to happen. Just imagine the crime rates. Please arm yourselves.

Technorati Tags: babies, bankruptcy, crime rates, good god, nothing left, unemployment

Where are those billions all the Democrats were willing to send?

And who said don’t throw good money after bad?

Another true statement, the Government doesn’t creat jobs.

Stimulus is being spent unemployment still going up.

Technorati Tags: billions, democrats, government doesn, jobs, money, stimulus, true statement, unemployment

Well, I’m 23 years old and I’ve had a horrible streak of bad luck. I was laid-off some months back and once unemployment ran out still haven’t been able to get a job. I’ve been concentrating on paying my rent and utilities, and because of that my car was just repossessed. I have 2 credit cards that are just stacking up. All in all I have about 20,000 in debt, that because of essential bills such as rent I’m unable to pay off right now. Can I file bankruptcy? Should I?

Technorati Tags: 23 years, bad luck, bankruptcy, credit cards, job, unemployment

I had some medical mishaps about a year ago. One surgery that cost over 7000 and a bunch of other medical bills. I also had a car that I cosigned with my dad for. He ended up losing the car and now they are holding me resonsible for 8000 on it. I normally make around 000 a year. I am actually on unemployment right now. I am in school and in a few years hope to start a good career. I am really scared bc I know that I can not afford to pay these bills. I know that they can later garnish my checks or sue me for the remaining money. Is it possible for me to file a chapter 7 bankruptcy and also would it be the better decision right now? Also, about how much would it cost me if i did do so. Thank you for taking the time to read this. God Bless.
I live in Georgia. I do not know if this makes any difference.

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Bought a brand new car 6 mo’s ago. Had 2 g’s in negative equity in previous car which obviously rolled over to this one. Have a 600 beacon so got high interest rate on new car. Just made 6th payment and owe about 7 g’s more on it than what Kelly blue book says its worth on trade. With the credit market the way it is I don’t see a way out of this vehicle. The payment is too high on it for me now because I lost my job and have been unable to find a similar paying job for past 3 months, and I can’t get unemployment. Haven’t missed a payment or been late on this car or the previous one I had for just over a year. I only have about 0 in credit card debt, but am maxed out basically. Have other various debt from years back. At this point I don’t see how I’ll be able to come up with car payment and rent at the end of December, so I need to figure something before then.Is there anything I can do?

Technorati Tags: brand new car, car payment, credit card debt, high interest rate, job, kelly blue book, negative equity, unemployment